We understand that you want protection for your possessions and protection for damage to any of the landlord belongings in a property and we now work with property insurance experts to provide affordable solutions for our tenants.
We offer contents Insurance combined with liability insurance for tenants or simply tenants liability insurance
What is Tenants Contents Insurance?
Tenants Contents Insurance covers your personal possessions in case of fire, theft, accidental damage or other insured risk
What is Tenants Liability Insurance?
Tenants Liability Insurance covers most accidental damage to items that belong to or are provided by the landlord in the property.
Tenants Liability policy Only - £8.50 per Month
Tenants Contents Insurance including Tenants Liability policy £11 per Month
What is covered under a Standard Policy
Standard Tenants Contents Insurance covers contents within your home against loss or damage from specific events including fire, storm, theft or escape of water.
Accidental damage extension - £4 per month
Under the standard policy, there is limited Accidental Damage cover for some possessions. Mobile phones are excluded. If you would like your mobile phone insured, this is included for up to £300 for any one claim.
Unspecified personal belongings - £8.13 per month for cover up to £2,500
This cover is designed to protect your personal possessions against accidental damage, loss or theft when taken out of your home in the European Area plus there is cover anywhere else in the world for up to 60 days in any one period of insurance. For personal belongings, the most the insurer will pay for any one single item is £2,500.
Specified personal belongings – Price on applicant as dependent on the item
This cover is designed to protect higher value personal possessions used in daily life over £2,500 against accidental damage, loss or theft, even outside the home. Includes items such as engagement rings, insulin pumps or musical instruments.
Pedal cycle extension – Price on applicant as dependent on the item
Optional bicycle cover protects pedal cycles when taken out of the boundaries of the home. Pedal cycle are protected in the European area and anywhere in the world for up to 60 days in any one period of insurance.
Personal legal protection - £2 per month
This cover provides the expert legal help and assistance needed to protect you against common legal issues without the worry of running up solicitors’ costs and overstretching resources. Up to £100,000 for legal fees and cost
Costs for additional extras varies and will be provided at time of quotation
Tenants Liability Insurance is not a replacement for your security deposit. The cover is designed to reduce the risk of deductions from your deposit. It pays out for some of the most common reasons a landlord might keep your money at the end of your tenancy. It won't protect you for deductions from your deposit where you haven't paid all your rent or utility bills, or don't leave the place sufficiently clean as it simply covers damage to items that belong to or are provided by the landlord in the property.
Can Liability Insurance protect against Deposit Deductions?
One of the main benefits is that this cover can help protect you against deposit deductions. By covering the cost to fix items you may have accidentally damaged, as it happens, you can minimise potential deposit disputes or deductions at the end of your tenancy.
It’s important to note that any malicious act, theft or attempted theft as well as damage caused by wear and tear isn’t covered.
Will old things be replaced with new ones?
The policy provides cover on a new for old basis. During the process of a claim, we will decide whether it’s most appropriate to replace, repair or offer money for your lost or damaged goods. We will always consider what route will be best, depending on the circumstances in question.
What's not covered by Tenants Insurance?
This is not an exhaustive list and is a guide
NOTE: Insurance is provided by Homelet and not Benham and Reeves.
HomeLet is a trading name of Barbon Insurance Group Limited which is authorised and regulated by the Financial Conduct Authority for insurance mediation.